A Quick Credit Check-In 💳

Money Matters
1

Happy Monday Community!

Confession: as much as I talk about credit around here, I’ll admit I didn’t always check my own score. I’d look at Equifax or TransUnion, see that checking it required a paid subscription or jump through hoops, and immediately put it off.

The good news? You don’t need to pay a dime to keep an eye on your numbers.

Here are a few practical habits to build this month:

Know where you stand: Check your score regularly so there are zero surprises.

Scan for errors: Review your report to ensure old debts or wrong info aren’t pulling you down.

Make it a monthly habit: A 2-minute check helps you spot fraudulent activity or drops right away.

Platforms like Borrowell offer free credit checks so you can stay in the loop without opening your wallet.

A simple reminder from someone who needed it too: don’t just talk about your credit, check it.

Do you check your credit score regularly, or is it something you tend to put off? :backhand_index_pointing_down:

2

Personally, I went YEARS without checking my score. Unfortunately growing up credit was never something talked about at home or in school so I wasn’t educated on it. When I was doing my second degree I was applying for a student LOC and the advisor at the bank asked me what my credit looked like and I genuinely had no idea. He was like ‘do you not check it’ and my response was ‘I can check it???’ :sweat_smile:. Since then it’s an every month or so habit to just take a look to make sure nothing odd is happening.

3

I have made it a point to check the score every month just to keep a tab on how it’s faring and understand what factors influence it.

4

Credit Karma and Borrowell only offer TransUnion’s score. Never Equifax. I actually wish we could see our equifax score from neo

5

I know neo offers credit score insights on the higher memberships, which is nice for those with them. I wonder if they’ll consider ever bringing that to the free plan since another institution I know of does actually offer that (one of their very few positives I must say).

7

I used to never check my credit score until I needed to start paying for almost everything with one! I now check it at least once a month. Just checked it today and I’m 14 points away from a fair score :partying_face::partying_face::partying_face: